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Home loan interest rates

Rates effective from: 16/08/2019

Residential lending interest rates

Variable

Owner Occupied Lending

Connect Package
Home Loan
Principal & Interest2
Principal & Interest
Comparison rate1
Interest Only2
Interest Only
Comparison rate1
For loans greater than $500,000 3.73% p.a. 4.03% p.a. 4.84% p.a. 5.04% p.a.
For loans between $250,000 and $499,999 3.83% p.a. 4.13% p.a. 4.94% p.a. 5.14% p.a.
For loans between $0 and $249,999 4.03% p.a. 4.33% p.a. 5.14% p.a. 5.34% p.a.

 

Basic
Home Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
Variable rate                                                                   3.39% p.a. 3.58% p.a. 4.99% p.a. 5.12% p.a.

 

Express
Home Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
Variable rate                                                                      3.29% p.a. 3.45% p.a. 4.94% p.a. 4.09% p.a.

 

Residential
Home Loan
Principal & Interest
Reference rate
Principal & Interest
Comparison rate1
Interest Only
Reference rate
Interest Only
Comparison rate1
Residential Variable Rate                                        5.18% p.a. 5.36% p.a. 5.59% p.a. 5.77% p.a.

 

Home Equity Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
Variable                                                                             N/A N/A 5.98% p.a. N/A

 

Low Doc
Variable Rate Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
Low Doc Variable Rate Loan                                 5.18% p.a. 5.36% p.a. 6.29% p.a. 6.42% p.a.

 

Residential Investment Lending

 

Connect Package
Home Loan
Principal & Interest2
Principal & Interest
Comparison rate1
Interest Only2
Interest Only
Comparison rate1
For loans greater than $500,000 3.94% p.a. 4.24% p.a. 4.54% p.a. 4.74% p.a.
For loans between $250,000 and $499,999 4.04% p.a. 4.34% p.a. 4.64% p.a. 4.84% p.a.
For loans between $0 and $249,999 4.24% p.a. 4.54% p.a. 4.84% p.a. 5.04% p.a.

 

Basic
Home Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
Variable rate                                                                     3.84% p.a. 4.03% p.a. 4.69% p.a. 4.82% p.a.

 

Express
Home Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
Variable rate                                                                    3.79% p.a. 3.95% p.a. 4.64% p.a. 4.27% p.a.

 

Residential
Home Loan
Principal & Interest
Reference rate
Principal & Interest
Comparison rate1
Interest Only
Reference rate
Interest Only
Comparison rate1
Bendigo Investment Rate                                       5.76% p.a. 5.94% p.a. 6.21% p.a. 6.39% p.a.

 

Home Equity Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
Variable                                                                               N/A                N/A 6.46% p.a. N/A

 

Fixed Rate

Available with Bendigo Connect Package, Bendigo Basic, Bendigo Express, Fixed Rate Residential Home Loan and Interest Only Term Loan.

Owner Occupied Lending

Loan type
Principal & Interest2
Principal & Interest
Comparison rate1
Interest Only2
Interest Only
Comparison rate1
1 Year Connect Package                                                        3.69% p.a.                                                     4.30% p.a. 4.49% p.a. 5.30% p.a.
2 Year Connect Package 3.29% p.a. 4.20% p.a. 4.19% p.a. 5.21% p.a.
3 Year Connect Package 3.39% p.a. 4.16% p.a. 4.39% p.a. 5.19% p.a.
4 Year Connect Package 3.89% p.a. 4.28% p.a. 4.69% p.a. 5.23% p.a.
5 Year Connect Package 3.89% p.a. 4.27% p.a. 4.69% p.a. 5.20% p.a.

 

Loan type
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
1 Year Basic                                                                3.59% p.a.                                                                                 3.60% p.a. 4.39% p.a. 5.08% p.a.
2 Year Basic 3.19% p.a. 3.55% p.a. 4.09% p.a. 5.00% p.a.
3 Year Basic 3.29% p.a. 3.55% p.a. 4.29% p.a. 4.98% p.a.
4 Year Basic 3.79% p.a. 3.71% p.a. 4.59% p.a. 5.02% p.a.
5 Year Basic 3.79% p.a. 3.74% p.a. 4.59% p.a. 4.99% p.a.

 

Express Home Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
1 Year Express                                                        3.59% p.a. 3.48% p.a. 4.39% p.a. 3.55% p.a.
2 Year Express 3.19% p.a. 3.44% p.a. 4.09% p.a. 3.58% p.a.
3 Year Express 3.29% p.a. 3.45% p.a. 4.29% p.a. 3.69% p.a.
4 Year Express 3.79% p.a. 3.62% p.a. 4.59% p.a. 3.86% p.a.
5 Year Express 3.79% p.a. 3.65% p.a. 4.59% p.a. 3.94% p.a.

 

Loan type
Principal & Interest
rate
Principal & Interest
Comparison rate1
Interest Only
rate
Interest Only
Comparison rate1
1 Year Package                                                     3.84% p.a. 4.51% p.a. 4.64% p.a. 5.56% p.a.
2 Year Package 3.44% p.a. 4.39% p.a. 4.34% p.a. 5.46% p.a.
3 Year Package 3.54% p.a. 4.34% p.a. 4.54% p.a. 5.43% p.a.
4 Year Package 4.04% p.a. 4.45% p.a. 4.84% p.a. 5.45% p.a.
5 Year Package 4.04% p.a. 4.42% p.a. 4.84% p.a. 5.41% p.a.

 

Residential Investment Lending

 

Loan type
Principal & Interest2
Principal & Interest
Comparison rate1
Interest Only2
Interest Only
Comparison rate1
1 Year Connect Package                                                           4.09% p.a. 4.52% p.a. 4.39% p.a. 5.01% p.a.
2 Year Connect Package 3.69% p.a. 4.44% p.a. 3.99% p.a. 4.93% p.a.
3 Year Connect Package 3.79% p.a. 4.42% p.a. 4.09% p.a. 4.90% p.a.
4 Year Connect Package 4.29% p.a. 4.55% p.a. 4.59% p.a. 4.98% p.a.
5 Year Connect Package 4.29% p.a. 4.56% p.a. 4.59% p.a. 4.96% p.a.

 

Loan type
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
1 Year Basic                                                                   3.99% p.a. 4.04% p.a. 4.29% p.a. 4.79% p.a.
2 Year Basic 3.59% p.a. 3.98% p.a. 3.89% p.a. 4.71% p.a.
3 Year Basic 3.69% p.a. 3.99% p.a. 3.99% p.a. 4.68% p.a.
4 Year Basic 4.19% p.a. 4.15% p.a. 4.49% p.a. 4.77% p.a.
5 Year Basic 4.19% p.a. 4.17% p.a. 4.49% p.a. 4.76% p.a.

 

Express Home Loan
Principal & Interest
Principal & Interest
Comparison rate1
Interest Only
Interest Only
Comparison rate1
1 Year Express                                                           3.99% p.a. 3.97% p.a. 4.29% p.a. 3.99% p.a.
2 Year Express 3.59% p.a. 3.91% p.a. 3.89% p.a. 3.96% p.a.
3 Year Express 3.69% p.a. 3.92% p.a. 3.99% p.a. 3.99% p.a.
4 Year Express 4.19% p.a. 4.09% p.a. 4.49% p.a. 4.17% p.a.
5 Year Express 4.19% p.a. 4.11% p.a. 4.49% p.a. 4.21% p.a.

 

Loan type
Principal & Interest
rate
Principal & Interest
Comparison rate1
Interest Only
rate
Interest Only
Comparison rate1
1 Year Package                                                       4.24% p.a. 4.78% p.a. 4.54% p.a. 5.27% p.a.
2 Year Package 3.84% p.a. 4.68% p.a. 4.14% p.a. 5.18% p.a.
3 Year Package 3.94% p.a. 4.64% p.a. 4.24% p.a. 5.13% p.a.
4 Year Package 4.44% p.a. 4.75% p.a. 4.74% p.a. 5.20% p.a.
5 Year Package                                             4.44% p.a. 4.74% p.a. 4.74% p.a. 5.18% p.a.

 

All lending interest rates are subject to change. Rates are for new business and may differ for existing customers. Fees and Charges may be applicable and can be found in the Lending Fees and Charges Guide.

Important information about comparison rates: The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

The interest rate displayed assumes at least 3 eligible products are held. Connect Package Home Loan interest rates are made up of the applicable interest rate depending on aggregate lending, minus a discount of 0.05% per eligible product held, up to a maximum of 0.15% off the tiered rate.


Schedule of Lending Interest Rates

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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